Certificates of Deposit

Certificates of Deposit

Make more money by making good use of your time

Highlights

Earnings arrive right on schedule

With higher interest rates, our CDs are worth the wait.

Lock in your rate

CDs come with fixed rates, so you'll know from the beginning how much you'll end up with.

Feel fully confident

CDs are no-worry savings tools with deposits insured up to $250,000 per ownership category

Months or years?

Choose a savings period that fits your short-, medium- or long-term financial plans.

Longer can be better

In general, longer-term CDs feature the highest earnings.

No complicated strategy is required to push your savings in Michigan to a higher level. All it takes is one deposit and a little patience. With a Credit Union ONE Certificate of Deposit, you can lock into a saving period ranging from 3 months to 5 years. When that time passes, the extra money will be waiting for you.

  • Eight CD terms available
  • When your CD matures, you can reinvest the money or cash out whatever you need
  • Early withdrawals may result in loss of interest earnings. 

Credit Union ONE is a full-service financial institution with locations in Southeast Michigan, Davison, MI, Traverse City, MI, and Grand Rapids, MI.

Run The Numbers

See how your money can grow more over time.

Give your savings a boost.

*

All rates are Annual Percentage Yield (APY). APY is based on an assumption that interest will remain in the account until maturity. Minimum to open is $500. Rates accurate as of July 12, 2025. Upon maturity, the rate for all tiers will default to the current standard rate as published in the rate schedule. Withdrawals and fees may reduce earnings. Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs: Loss of 30 days interest for CDs with a term of 6 months or less; loss of 90 days interest for CDs with a term greater than 6 months or equal to 12 months; loss of 180 days interest for CDs with a term greater than 12 months.

The calculator tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.